עוגני אג״ח ממשלתי
רישרד הננפלד יועץ משכנתאות עוגני אג"ח ממשלתי הם הבסיס שעליו הבנקים מתמחרים מסלולי ריבית משתנה במשכנתא. בכל תחנת יציאה הבנק מעדכן את הריבית שלכם לפי העוגן שנקבע בהסכם, ולכן שווה להכיר את המספר הזה עוד לפני שחותמים.
קיבלנו את הפרטים
עוד רגע נמשיך לבדיקת ההתאמה
עוגני אג"ח ממשלתי
העוגנים שעליהם הבנקים מתמחרים מסלולי ריבית משתנה. מקור: בנק ישראל, עקום אפס.
| תקופה לפדיון | לא צמוד (נומינלי) | צמוד מדד (ריאלי) | פעולה |
|---|---|---|---|
| שנה | 3.19% | 1.59% | |
| שנתיים | 3.45% | 1.59% | |
| 3 שנים | 3.60% | 1.65% | |
| 4 שנים | 3.66% | 1.71% | |
| 5 שנים | 3.72% | 1.78% | |
| 7 שנים | 3.85% | 1.91% | |
| 10 שנים | 4.06% | 2.10% | |
| 15 שנים | 4.29% | 2.26% | |
| 20 שנים | - | 2.38% |
| תקופה לפדיון | לא צמוד, 09/2026 | לא צמוד, 08/2026 | לא צמוד, 09/2025 | צמוד, 09/2026 | צמוד, 08/2026 | צמוד, 09/2025 |
|---|---|---|---|---|---|---|
| שנה | 3.19% | 3.24% | 4.04% | 1.59% | 2.00% | 2.16% |
| שנתיים | 3.45% | 3.39% | 3.93% | 1.59% | 1.80% | 2.01% |
| 3 שנים | 3.60% | 3.48% | 3.95% | 1.65% | 1.75% | 1.99% |
| 4 שנים | 3.66% | 3.53% | 3.94% | 1.71% | 1.76% | 1.98% |
| 5 שנים | 3.72% | 3.58% | 3.97% | 1.78% | 1.80% | 1.98% |
| 7 שנים | 3.85% | 3.71% | 4.07% | 1.91% | 1.88% | 2.00% |
| 10 שנים | 4.06% | 3.91% | 4.19% | 2.10% | 2.03% | 2.02% |
| 15 שנים | 4.29% | 4.12% | 4.44% | 2.26% | 2.20% | 2.06% |
| 20 שנים | - | - | - | 2.38% | 2.29% | 2.12% |
ממוצע חודשי קלנדרי, ספטמבר 2026. מקור: בנק ישראל.
הממוצע של אוקטובר יתפרסם בתחילת נובמבר.
הצג טבלת היסטוריה (225 חודשים)
| חודש | שנה | שנתיים | 3 שנים | 4 שנים | 5 שנים | 7 שנים | 10 שנים | 15 שנים |
|---|---|---|---|---|---|---|---|---|
| 09/2026 | 3.19% | 3.45% | 3.60% | 3.66% | 3.72% | 3.85% | 4.06% | 4.29% |
| 08/2026 | 3.24% | 3.39% | 3.48% | 3.53% | 3.58% | 3.71% | 3.91% | 4.12% |
| 07/2026 | 3.24% | 3.38% | 3.46% | 3.49% | 3.53% | 3.66% | 3.88% | 4.12% |
| 06/2026 | 3.27% | 3.31% | 3.34% | 3.38% | 3.43% | 3.54% | 3.77% | 4.03% |
| 05/2026 | 3.62% | 3.64% | 3.67% | 3.68% | 3.71% | 3.79% | 3.95% | 4.16% |
| 04/2026 | 3.70% | 3.72% | 3.76% | 3.76% | 3.78% | 3.88% | 4.03% | 4.23% |
| 03/2026 | 3.70% | 3.73% | 3.75% | 3.74% | 3.76% | 3.84% | 4.00% | 4.20% |
| 02/2026 | 3.46% | 3.42% | 3.44% | 3.46% | 3.50% | 3.63% | 3.83% | 4.10% |
| 01/2026 | 3.60% | 3.55% | 3.56% | 3.57% | 3.61% | 3.72% | 3.88% | 4.12% |
| 12/2025 | 3.82% | 3.80% | 3.79% | 3.79% | 3.81% | 3.89% | 4.04% | 4.26% |
| 11/2025 | 3.87% | 3.76% | 3.74% | 3.73% | 3.75% | 3.83% | 3.97% | 4.19% |
| 10/2025 | 3.90% | 3.78% | 3.75% | 3.74% | 3.77% | 3.85% | 3.97% | 4.20% |
| 09/2025 | 4.04% | 3.93% | 3.95% | 3.94% | 3.97% | 4.07% | 4.19% | 4.44% |
| 08/2025 | 4.10% | 3.99% | 4.00% | 4.00% | 4.03% | 4.09% | 4.22% | 4.46% |
| 07/2025 | 4.10% | 4.01% | 4.01% | 4.00% | 4.03% | 4.10% | 4.22% | 4.45% |
| חודש | שנה | שנתיים | 3 שנים | 4 שנים | 5 שנים | 7 שנים | 10 שנים | 15 שנים |
|---|---|---|---|---|---|---|---|---|
| 09/2026 | 3.19% | 3.45% | 3.60% | 3.66% | 3.72% | 3.85% | 4.06% | 4.29% |
| 08/2026 | 3.24% | 3.39% | 3.48% | 3.53% | 3.58% | 3.71% | 3.91% | 4.12% |
| 07/2026 | 3.24% | 3.38% | 3.46% | 3.49% | 3.53% | 3.66% | 3.88% | 4.12% |
| 06/2026 | 3.27% | 3.31% | 3.34% | 3.38% | 3.43% | 3.54% | 3.77% | 4.03% |
| 05/2026 | 3.62% | 3.64% | 3.67% | 3.68% | 3.71% | 3.79% | 3.95% | 4.16% |
| 04/2026 | 3.70% | 3.72% | 3.76% | 3.76% | 3.78% | 3.88% | 4.03% | 4.23% |
| 03/2026 | 3.70% | 3.73% | 3.75% | 3.74% | 3.76% | 3.84% | 4.00% | 4.20% |
| 02/2026 | 3.46% | 3.42% | 3.44% | 3.46% | 3.50% | 3.63% | 3.83% | 4.10% |
| 01/2026 | 3.60% | 3.55% | 3.56% | 3.57% | 3.61% | 3.72% | 3.88% | 4.12% |
| 12/2025 | 3.82% | 3.80% | 3.79% | 3.79% | 3.81% | 3.89% | 4.04% | 4.26% |
| 11/2025 | 3.87% | 3.76% | 3.74% | 3.73% | 3.75% | 3.83% | 3.97% | 4.19% |
| 10/2025 | 3.90% | 3.78% | 3.75% | 3.74% | 3.77% | 3.85% | 3.97% | 4.20% |
| 09/2025 | 4.04% | 3.93% | 3.95% | 3.94% | 3.97% | 4.07% | 4.19% | 4.44% |
| 08/2025 | 4.10% | 3.99% | 4.00% | 4.00% | 4.03% | 4.09% | 4.22% | 4.46% |
| 07/2025 | 4.10% | 4.01% | 4.01% | 4.00% | 4.03% | 4.10% | 4.22% | 4.45% |
| 06/2025 | 4.23% | 4.21% | 4.23% | 4.24% | 4.28% | 4.34% | 4.47% | 4.70% |
| 05/2025 | 4.19% | 4.17% | 4.21% | 4.22% | 4.25% | 4.33% | 4.46% | 4.70% |
| 04/2025 | 4.17% | 4.09% | 4.15% | 4.17% | 4.20% | 4.28% | 4.41% | 4.65% |
| 03/2025 | 4.19% | 4.15% | 4.19% | 4.19% | 4.22% | 4.29% | 4.42% | 4.63% |
| 02/2025 | 4.20% | 4.16% | 4.17% | 4.15% | 4.16% | 4.21% | 4.32% | 4.52% |
| 01/2025 | 4.21% | 4.25% | 4.26% | 4.26% | 4.28% | 4.37% | 4.50% | 4.70% |
| 12/2024 | 4.26% | 4.24% | 4.25% | 4.25% | 4.27% | 4.37% | 4.49% | 4.69% |
| 11/2024 | 4.35% | 4.43% | 4.50% | 4.51% | 4.54% | 4.62% | 4.73% | 4.93% |
| 10/2024 | 4.40% | 4.52% | 4.60% | 4.65% | 4.69% | 4.79% | 4.95% | 5.21% |
| 09/2024 | 4.21% | 4.32% | 4.43% | 4.51% | 4.59% | 4.73% | 4.94% | 5.24% |
| 08/2024 | 4.11% | 4.17% | 4.28% | 4.37% | 4.44% | 4.56% | 4.76% | 5.04% |
| 07/2024 | 4.20% | 4.29% | 4.39% | 4.48% | 4.56% | 4.70% | 4.88% | 5.18% |
| 06/2024 | 4.29% | 4.37% | 4.48% | 4.56% | 4.62% | 4.75% | 4.92% | 5.19% |
| 05/2024 | 4.28% | 4.33% | 4.40% | 4.46% | 4.51% | 4.63% | 4.79% | 5.05% |
| 04/2024 | 4.20% | 4.19% | 4.24% | 4.31% | 4.37% | 4.50% | 4.70% | 4.97% |
| 03/2024 | 3.99% | 3.91% | 3.95% | 3.99% | 4.03% | 4.16% | 4.38% | 4.64% |
| 02/2024 | 3.93% | 3.78% | 3.80% | 3.85% | 3.93% | 4.11% | 4.36% | 4.65% |
| 01/2024 | 3.96% | 3.78% | 3.76% | 3.79% | 3.88% | 4.08% | 4.33% | 4.63% |
| 12/2023 | 3.96% | 3.69% | 3.65% | 3.67% | 3.72% | 3.88% | 4.07% | 4.35% |
| 11/2023 | 4.03% | 3.91% | 3.92% | 3.94% | 4.02% | 4.18% | 4.40% | 4.70% |
| 10/2023 | 4.34% | 4.24% | 4.21% | 4.18% | 4.20% | 4.29% | 4.48% | 4.74% |
| 09/2023 | 4.67% | 4.38% | 4.15% | 3.99% | 3.97% | 3.97% | 4.02% | 4.19% |
| 08/2023 | 4.67% | 4.25% | 4.04% | 3.89% | 3.87% | 3.88% | 3.94% | 4.13% |
| 07/2023 | 4.68% | 4.20% | 3.98% | 3.82% | 3.79% | 3.75% | 3.79% | 3.95% |
| 06/2023 | 4.64% | 4.21% | 3.99% | 3.82% | 3.77% | 3.73% | 3.77% | 3.95% |
| 05/2023 | 4.54% | 4.18% | 3.95% | 3.82% | 3.80% | 3.75% | 3.82% | 4.01% |
| 04/2023 | 4.51% | 4.16% | 4.01% | 3.89% | 3.84% | 3.84% | 3.89% | 4.07% |
| 03/2023 | 4.57% | 4.26% | 4.08% | 3.96% | 3.92% | 3.85% | 3.86% | 4.02% |
| 02/2023 | 4.17% | 3.97% | 3.82% | 3.71% | 3.66% | 3.58% | 3.56% | 3.67% |
| 01/2023 | 3.84% | 3.65% | 3.53% | 3.44% | 3.39% | 3.35% | 3.35% | 3.45% |
| 12/2022 | 3.49% | 3.50% | 3.49% | 3.47% | 3.46% | 3.40% | 3.38% | 3.51% |
| 11/2022 | 3.22% | 3.28% | 3.30% | 3.28% | 3.28% | 3.25% | 3.27% | 3.39% |
| 10/2022 | 3.03% | 3.18% | 3.24% | 3.26% | 3.30% | 3.30% | 3.36% | 3.53% |
| 09/2022 | 2.66% | 2.91% | 2.97% | 3.01% | 3.04% | 3.08% | 3.12% | 3.33% |
| 08/2022 | 2.01% | 2.28% | 2.36% | 2.42% | 2.45% | 2.49% | 2.62% | 2.98% |
| 07/2022 | 1.69% | 2.11% | 2.27% | 2.34% | 2.38% | 2.47% | 2.63% | 2.98% |
| 06/2022 | 1.48% | 2.25% | 2.53% | 2.66% | 2.72% | 2.82% | 2.99% | 3.35% |
| 05/2022 | 0.97% | 1.67% | 1.94% | 2.06% | 2.16% | 2.36% | 2.59% | 3.00% |
| 04/2022 | 0.85% | 1.48% | 1.71% | 1.85% | 1.97% | 2.15% | 2.38% | 2.76% |
| 03/2022 | 0.56% | 1.10% | 1.34% | 1.52% | 1.63% | 1.86% | 2.13% | 2.62% |
| 02/2022 | 0.22% | 0.59% | 0.84% | 1.01% | 1.14% | 1.42% | 1.78% | 2.30% |
| 01/2022 | 0.04% | 0.23% | 0.45% | 0.64% | 0.77% | 1.05% | 1.44% | 1.99% |
| 12/2021 | 0.01% | 0.07% | 0.22% | 0.39% | 0.51% | 0.77% | 1.20% | 1.75% |
| 11/2021 | 0.04% | 0.21% | 0.39% | 0.56% | 0.69% | 0.95% | 1.34% | 1.86% |
| 10/2021 | 0.03% | 0.17% | 0.35% | 0.55% | 0.70% | 1.03% | 1.42% | 1.96% |
| 09/2021 | 0.02% | 0.09% | 0.20% | 0.36% | 0.51% | 0.84% | 1.30% | 1.84% |
| 08/2021 | 0.01% | 0.07% | 0.16% | 0.26% | 0.38% | 0.72% | 1.19% | 1.75% |
| 07/2021 | 0.02% | 0.09% | 0.19% | 0.32% | 0.45% | 0.80% | 1.25% | 1.79% |
| 06/2021 | 0.03% | 0.15% | 0.28% | 0.42% | 0.57% | 0.92% | 1.38% | 1.93% |
| 05/2021 | 0.04% | 0.17% | 0.29% | 0.43% | 0.59% | 0.92% | 1.34% | 1.88% |
| 04/2021 | 0.02% | 0.15% | 0.26% | 0.37% | 0.50% | 0.79% | 1.23% | 1.75% |
| 03/2021 | 0.02% | 0.15% | 0.28% | 0.40% | 0.52% | 0.84% | 1.28% | 1.79% |
| 02/2021 | 0.02% | 0.11% | 0.19% | 0.29% | 0.39% | 0.70% | 1.12% | 1.63% |
| 01/2021 | 0.01% | 0.07% | 0.16% | 0.24% | 0.32% | 0.54% | 0.94% | 1.45% |
| 12/2020 | 0.06% | 0.13% | 0.23% | 0.29% | 0.36% | 0.57% | 0.93% | 1.44% |
| 11/2020 | 0.05% | 0.13% | 0.24% | 0.32% | 0.38% | 0.58% | 0.92% | 1.43% |
| 10/2020 | 0.03% | 0.07% | 0.18% | 0.26% | 0.34% | 0.55% | 0.83% | 1.29% |
| 09/2020 | 0.06% | 0.10% | 0.20% | 0.27% | 0.35% | 0.51% | 0.75% | 1.21% |
| 08/2020 | 0.04% | 0.09% | 0.18% | 0.26% | 0.33% | 0.48% | 0.70% | 1.11% |
| 07/2020 | 0.03% | 0.08% | 0.16% | 0.23% | 0.30% | 0.45% | 0.67% | 1.10% |
| 06/2020 | 0.04% | 0.08% | 0.17% | 0.25% | 0.34% | 0.52% | 0.73% | 1.14% |
| 05/2020 | 0.06% | 0.13% | 0.25% | 0.33% | 0.43% | 0.61% | 0.81% | 1.21% |
| 04/2020 | 0.12% | 0.20% | 0.29% | 0.38% | 0.47% | 0.67% | 0.87% | 1.29% |
| 03/2020 | 0.22% | 0.32% | 0.39% | 0.48% | 0.59% | 0.81% | 0.96% | 1.33% |
| 02/2020 | 0.15% | 0.16% | 0.21% | 0.30% | 0.37% | 0.56% | 0.78% | 1.15% |
| 01/2020 | 0.15% | 0.18% | 0.26% | 0.36% | 0.45% | 0.65% | 0.89% | 1.27% |
| 12/2019 | 0.14% | 0.18% | 0.27% | 0.36% | 0.46% | 0.69% | 0.95% | 1.36% |
| 11/2019 | 0.12% | 0.16% | 0.27% | 0.37% | 0.49% | 0.73% | 1.03% | 1.48% |
| 10/2019 | 0.17% | 0.20% | 0.27% | 0.36% | 0.47% | 0.70% | 1.02% | 1.48% |
| 09/2019 | 0.18% | 0.22% | 0.31% | 0.40% | 0.52% | 0.78% | 1.15% | 1.66% |
| 08/2019 | 0.21% | 0.25% | 0.34% | 0.43% | 0.52% | 0.73% | 1.10% | 1.62% |
| 07/2019 | 0.30% | 0.41% | 0.54% | 0.68% | 0.83% | 1.14% | 1.57% | 2.09% |
| 06/2019 | 0.31% | 0.43% | 0.59% | 0.76% | 0.94% | 1.27% | 1.73% | 2.26% |
| 05/2019 | 0.39% | 0.56% | 0.76% | 0.96% | 1.15% | 1.48% | 1.92% | 2.41% |
| 04/2019 | 0.35% | 0.57% | 0.78% | 1.00% | 1.20% | 1.56% | 2.00% | 2.51% |
| 03/2019 | 0.30% | 0.49% | 0.74% | 0.99% | 1.21% | 1.61% | 2.08% | 2.64% |
| 02/2019 | 0.32% | 0.51% | 0.76% | 1.00% | 1.24% | 1.66% | 2.15% | 2.71% |
| 01/2019 | 0.44% | 0.66% | 0.89% | 1.13% | 1.39% | 1.82% | 2.30% | 2.84% |
| 12/2018 | 0.47% | 0.72% | 1.01% | 1.30% | 1.58% | 2.02% | 2.44% | 2.98% |
| 11/2018 | 0.31% | 0.57% | 0.87% | 1.18% | 1.47% | 1.96% | 2.43% | 2.97% |
| 10/2018 | 0.27% | 0.53% | 0.85% | 1.15% | 1.42% | 1.92% | 2.36% | 2.85% |
| 09/2018 | 0.23% | 0.49% | 0.82% | 1.12% | 1.37% | 1.82% | 2.26% | 2.77% |
| 08/2018 | 0.22% | 0.46% | 0.75% | 1.04% | 1.30% | 1.76% | 2.20% | 2.70% |
| 07/2018 | 0.22% | 0.49% | 0.78% | 1.06% | 1.33% | 1.79% | 2.22% | 2.73% |
| 06/2018 | 0.20% | 0.44% | 0.68% | 0.95% | 1.21% | 1.66% | 2.16% | 2.66% |
| 05/2018 | 0.19% | 0.39% | 0.61% | 0.86% | 1.11% | 1.57% | 2.11% | 2.63% |
| 04/2018 | 0.16% | 0.31% | 0.54% | 0.76% | 0.99% | 1.45% | 1.97% | 2.50% |
| 03/2018 | 0.14% | 0.26% | 0.47% | 0.69% | 0.92% | 1.40% | 1.95% | 2.48% |
| 02/2018 | 0.13% | 0.25% | 0.46% | 0.72% | 0.99% | 1.51% | 2.05% | 2.57% |
| 01/2018 | 0.13% | 0.20% | 0.33% | 0.53% | 0.77% | 1.28% | 1.84% | 2.41% |
| 12/2017 | 0.12% | 0.18% | 0.33% | 0.55% | 0.81% | 1.33% | 1.93% | 2.55% |
| 11/2017 | 0.10% | 0.16% | 0.31% | 0.55% | 0.83% | 1.33% | 1.93% | 2.58% |
| 10/2017 | 0.10% | 0.17% | 0.34% | 0.58% | 0.85% | 1.34% | 1.91% | 2.55% |
| 09/2017 | 0.09% | 0.15% | 0.28% | 0.50% | 0.76% | 1.28% | 1.86% | 2.52% |
| 08/2017 | 0.10% | 0.17% | 0.33% | 0.55% | 0.80% | 1.29% | 1.87% | 2.55% |
| 07/2017 | 0.12% | 0.23% | 0.44% | 0.69% | 0.97% | 1.49% | 2.09% | 2.77% |
| 06/2017 | 0.12% | 0.27% | 0.47% | 0.73% | 1.01% | 1.53% | 2.14% | 2.81% |
| 05/2017 | 0.14% | 0.32% | 0.54% | 0.81% | 1.10% | 1.64% | 2.24% | 2.90% |
| 04/2017 | 0.15% | 0.35% | 0.59% | 0.85% | 1.13% | 1.67% | 2.26% | 2.93% |
| 03/2017 | 0.16% | 0.36% | 0.62% | 0.89% | 1.15% | 1.70% | 2.33% | 3.00% |
| 02/2017 | 0.17% | 0.36% | 0.65% | 0.94% | 1.21% | 1.76% | 2.39% | 3.02% |
| 01/2017 | 0.18% | 0.37% | 0.65% | 0.94% | 1.20% | 1.76% | 2.35% | 2.93% |
| 12/2016 | 0.19% | 0.41% | 0.72% | 1.00% | 1.28% | 1.85% | 2.41% | 2.94% |
| 11/2016 | 0.17% | 0.38% | 0.66% | 0.93% | 1.19% | 1.72% | 2.24% | 2.76% |
| 10/2016 | 0.12% | 0.31% | 0.53% | 0.78% | 1.01% | 1.51% | 1.99% | 2.51% |
| 09/2016 | 0.11% | 0.26% | 0.46% | 0.70% | 0.94% | 1.42% | 1.91% | 2.43% |
| 08/2016 | 0.12% | 0.23% | 0.43% | 0.65% | 0.88% | 1.35% | 1.87% | 2.44% |
| 07/2016 | 0.12% | 0.19% | 0.38% | 0.59% | 0.81% | 1.29% | 1.81% | 2.38% |
| 06/2016 | 0.11% | 0.22% | 0.43% | 0.63% | 0.85% | 1.36% | 1.87% | 2.46% |
| 05/2016 | 0.13% | 0.23% | 0.48% | 0.68% | 0.89% | 1.41% | 1.92% | 2.51% |
| 04/2016 | 0.12% | 0.22% | 0.46% | 0.69% | 0.90% | 1.41% | 1.93% | 2.52% |
| 03/2016 | 0.11% | 0.23% | 0.46% | 0.72% | 0.98% | 1.49% | 2.01% | 2.60% |
| 02/2016 | 0.09% | 0.21% | 0.41% | 0.66% | 0.92% | 1.41% | 1.94% | 2.52% |
| 01/2016 | 0.16% | 0.33% | 0.56% | 0.81% | 1.05% | 1.55% | 2.10% | 2.72% |
| 12/2015 | 0.18% | 0.40% | 0.66% | 0.93% | 1.17% | 1.71% | 2.26% | 2.90% |
| 11/2015 | 0.14% | 0.34% | 0.57% | 0.85% | 1.12% | 1.66% | 2.24% | 2.90% |
| 10/2015 | 0.10% | 0.22% | 0.40% | 0.70% | 1.01% | 1.57% | 2.18% | 2.83% |
| 09/2015 | 0.09% | 0.24% | 0.51% | 0.84% | 1.16% | 1.74% | 2.37% | 3.02% |
| 08/2015 | 0.10% | 0.26% | 0.52% | 0.85% | 1.15% | 1.73% | 2.32% | 2.93% |
| 07/2015 | 0.12% | 0.33% | 0.56% | 0.89% | 1.23% | 1.88% | 2.52% | 3.12% |
| 06/2015 | 0.11% | 0.31% | 0.59% | 0.92% | 1.26% | 1.87% | 2.48% | 3.07% |
| 05/2015 | 0.07% | 0.21% | 0.39% | 0.66% | 0.94% | 1.47% | 2.03% | 2.61% |
| 04/2015 | 0.07% | 0.16% | 0.33% | 0.55% | 0.77% | 1.18% | 1.67% | 2.14% |
| 03/2015 | 0.10% | 0.22% | 0.41% | 0.64% | 0.87% | 1.32% | 1.84% | 2.32% |
| 02/2015 | 0.16% | 0.27% | 0.49% | 0.73% | 0.97% | 1.45% | 2.01% | 2.57% |
| 01/2015 | 0.22% | 0.36% | 0.59% | 0.81% | 1.08% | 1.62% | 2.22% | 2.91% |
| 12/2014 | 0.27% | 0.46% | 0.73% | 1.01% | 1.35% | 1.95% | 2.62% | 3.32% |
| 11/2014 | 0.21% | 0.32% | 0.56% | 0.83% | 1.13% | 1.71% | 2.39% | 3.04% |
| 10/2014 | 0.19% | 0.30% | 0.56% | 0.83% | 1.13% | 1.73% | 2.40% | 3.04% |
| 09/2014 | 0.26% | 0.39% | 0.68% | 1.03% | 1.36% | 1.98% | 2.67% | 3.31% |
| 08/2014 | 0.45% | 0.58% | 0.90% | 1.25% | 1.57% | 2.16% | 2.83% | 3.46% |
| 07/2014 | 0.65% | 0.79% | 1.13% | 1.46% | 1.76% | 2.35% | 3.01% | 3.68% |
| 06/2014 | 0.63% | 0.76% | 1.12% | 1.45% | 1.76% | 2.39% | 3.07% | 3.73% |
| 05/2014 | 0.64% | 0.77% | 1.14% | 1.50% | 1.85% | 2.55% | 3.28% | 3.98% |
| 04/2014 | 0.69% | 0.88% | 1.32% | 1.74% | 2.11% | 2.86% | 3.58% | 4.31% |
| 03/2014 | 0.67% | 0.85% | 1.29% | 1.70% | 2.07% | 2.83% | 3.58% | 4.32% |
| 02/2014 | 0.91% | 1.06% | 1.48% | 1.89% | 2.26% | 3.06% | 3.82% | 4.55% |
| 01/2014 | 0.93% | 1.14% | 1.55% | 1.98% | 2.37% | 3.16% | 3.93% | 4.67% |
| 12/2013 | 0.89% | 1.10% | 1.49% | 1.90% | 2.27% | 3.08% | 3.93% | 4.66% |
| 11/2013 | 0.88% | 1.12% | 1.49% | 1.94% | 2.33% | 3.14% | 3.92% | 4.68% |
| 10/2013 | 0.99% | 1.22% | 1.63% | 2.06% | 2.45% | 3.25% | 3.97% | 4.76% |
| 09/2013 | 1.21% | 1.48% | 1.91% | 2.37% | 2.76% | 3.52% | 4.22% | 4.92% |
| 08/2013 | 1.20% | 1.39% | 1.77% | 2.23% | 2.64% | 3.41% | 4.14% | 4.88% |
| 07/2013 | 1.20% | 1.40% | 1.72% | 2.11% | 2.51% | 3.27% | 4.01% | 4.76% |
| 06/2013 | 1.28% | 1.45% | 1.77% | 2.19% | 2.57% | 3.32% | 4.04% | 4.77% |
| 05/2013 | 1.47% | 1.54% | 1.75% | 2.05% | 2.37% | 3.03% | 3.77% | 4.58% |
| 04/2013 | 1.68% | 1.75% | 2.02% | 2.36% | 2.64% | 3.24% | 3.90% | 4.68% |
| 03/2013 | 1.67% | 1.81% | 2.15% | 2.49% | 2.80% | 3.46% | 4.15% | 4.87% |
| 02/2013 | 1.71% | 1.86% | 2.19% | 2.51% | 2.83% | 3.50% | 4.21% | 4.87% |
| 01/2013 | 1.73% | 1.87% | 2.15% | 2.47% | 2.79% | 3.45% | 4.16% | 4.81% |
| 12/2012 | 1.82% | 1.90% | 2.16% | 2.48% | 2.79% | 3.40% | 4.10% | 4.77% |
| 11/2012 | 1.90% | 1.96% | 2.26% | 2.61% | 2.93% | 3.56% | 4.29% | 4.97% |
| 10/2012 | 2.17% | 2.25% | 2.46% | 2.78% | 3.13% | 3.75% | 4.46% | 5.11% |
| 09/2012 | 2.16% | 2.28% | 2.55% | 2.91% | 3.27% | 3.91% | 4.61% | 5.26% |
| 08/2012 | 1.99% | 2.13% | 2.42% | 2.79% | 3.13% | 3.78% | 4.45% | 5.09% |
| 07/2012 | 2.04% | 2.19% | 2.43% | 2.75% | 3.07% | 3.70% | 4.42% | 5.10% |
| 06/2012 | 2.24% | 2.37% | 2.63% | 2.98% | 3.32% | 3.96% | 4.66% | 5.28% |
| 05/2012 | 2.47% | 2.65% | 2.90% | 3.24% | 3.56% | 4.14% | 4.77% | 5.31% |
| 04/2012 | 2.62% | 2.81% | 3.06% | 3.40% | 3.73% | 4.29% | 4.89% | 5.40% |
| 03/2012 | 2.58% | 2.85% | 3.15% | 3.51% | 3.83% | 4.38% | 4.93% | 5.37% |
| 02/2012 | 2.45% | 2.71% | 3.01% | 3.34% | 3.63% | 4.18% | 4.79% | 5.30% |
| 01/2012 | 2.46% | 2.69% | 2.98% | 3.26% | 3.54% | 4.07% | 4.70% | 5.29% |
| 12/2011 | 2.63% | 2.79% | 3.02% | 3.33% | 3.67% | 4.22% | 4.81% | 5.37% |
| 11/2011 | 2.74% | 2.87% | 3.14% | 3.43% | 3.74% | 4.25% | 4.81% | 5.30% |
| 10/2011 | 2.83% | 3.00% | 3.25% | 3.52% | 3.80% | 4.29% | 4.78% | 5.25% |
| 09/2011 | 2.97% | 3.13% | 3.38% | 3.64% | 3.90% | 4.40% | 4.86% | 5.35% |
| 08/2011 | 3.21% | 3.35% | 3.63% | 3.87% | 4.13% | 4.57% | 4.98% | 5.41% |
| 07/2011 | 3.53% | 3.83% | 4.10% | 4.33% | 4.55% | 4.92% | 5.31% | 5.67% |
| 06/2011 | 3.55% | 3.94% | 4.26% | 4.47% | 4.68% | 5.04% | 5.37% | 5.74% |
| 05/2011 | 3.52% | 4.02% | 4.34% | 4.55% | 4.76% | 5.09% | 5.39% | 5.72% |
| 04/2011 | 3.50% | 4.04% | 4.37% | 4.62% | 4.85% | 5.20% | 5.47% | 5.79% |
| 03/2011 | 3.21% | 3.71% | 4.10% | 4.41% | 4.69% | 5.10% | 5.47% | 5.84% |
| 02/2011 | 2.86% | 3.44% | 3.82% | 4.14% | 4.43% | 4.89% | 5.31% | 5.72% |
| 01/2011 | 2.56% | 3.10% | 3.45% | 3.78% | 4.06% | 4.59% | 5.05% | 5.49% |
| 12/2010 | 2.51% | 2.99% | 3.34% | 3.67% | 3.93% | 4.47% | 4.95% | 5.42% |
| 11/2010 | 2.43% | 2.88% | 3.20% | 3.49% | 3.74% | 4.25% | 4.70% | 5.19% |
| 10/2010 | 2.42% | 2.80% | 3.12% | 3.41% | 3.64% | 4.11% | 4.54% | 5.04% |
| 09/2010 | 2.30% | 2.68% | 3.07% | 3.40% | 3.67% | 4.17% | 4.61% | 5.09% |
| 08/2010 | 2.26% | 2.60% | 2.93% | 3.27% | 3.53% | 4.05% | 4.60% | 5.22% |
| 07/2010 | 2.13% | 2.57% | 2.97% | 3.36% | 3.67% | 4.26% | 4.84% | 5.48% |
| 06/2010 | 2.17% | 2.68% | 3.08% | 3.47% | 3.78% | 4.36% | 4.94% | 5.57% |
| 05/2010 | 2.20% | 2.83% | 3.25% | 3.62% | 3.93% | 4.53% | 5.11% | 5.71% |
| 04/2010 | 2.22% | 2.91% | 3.45% | 3.82% | 4.11% | 4.66% | 5.18% | 5.78% |
| 03/2010 | 2.08% | 2.79% | 3.28% | 3.66% | 3.96% | 4.54% | 5.11% | 5.72% |
| 02/2010 | 1.94% | 2.57% | 3.11% | 3.58% | 3.95% | 4.54% | 5.19% | 5.83% |
| 01/2010 | 2.01% | 2.80% | 3.38% | 3.81% | 4.16% | 4.70% | 5.31% | 5.87% |
| 12/2009 | 1.89% | 2.77% | 3.38% | 3.82% | 4.17% | 4.72% | 5.32% | 5.92% |
| 11/2009 | 1.60% | 2.37% | 2.90% | 3.32% | 3.75% | 4.46% | 5.20% | 5.92% |
| 10/2009 | 1.54% | 2.25% | 2.86% | 3.37% | 3.86% | 4.58% | 5.36% | 6.06% |
| 09/2009 | 1.79% | 2.64% | 3.22% | 3.65% | 4.03% | 4.72% | 5.45% | 6.15% |
| 08/2009 | 1.71% | 2.84% | 3.47% | 3.95% | 4.37% | 4.99% | 5.63% | 6.26% |
| 07/2009 | 1.33% | 2.25% | 3.00% | 3.62% | 4.18% | 4.94% | 5.68% | 6.32% |
| 06/2009 | 1.39% | 2.31% | 3.24% | 3.99% | 4.58% | 5.32% | 5.85% | 6.35% |
| 05/2009 | 1.13% | 1.92% | 2.91% | 3.67% | 4.27% | 5.02% | 5.59% | 6.09% |
| 04/2009 | 0.91% | 1.59% | 2.31% | 3.02% | 3.66% | 4.49% | 5.04% | 5.63% |
| 03/2009 | 1.08% | 1.72% | 2.53% | 3.18% | 3.74% | 4.49% | 4.96% | 5.51% |
| 02/2009 | 1.11% | 1.79% | 2.61% | 3.19% | 3.70% | 4.41% | 5.00% | 5.58% |
| 01/2009 | 1.60% | 2.13% | 2.79% | 3.36% | 3.85% | 4.72% | 5.34% | 5.90% |
| 12/2008 | 2.14% | 2.73% | 3.24% | 3.79% | 4.20% | 4.92% | 5.51% | 5.96% |
| 11/2008 | 3.10% | 3.90% | 4.36% | 4.90% | 5.28% | 5.84% | 6.63% | 7.05% |
| 10/2008 | 3.58% | 4.33% | 4.62% | 5.01% | 5.29% | 5.74% | 6.31% | 6.70% |
| 09/2008 | 4.39% | 4.79% | 4.93% | 5.13% | 5.32% | 5.66% | 6.09% | 6.39% |
| 08/2008 | 4.48% | 4.73% | 4.86% | 5.08% | 5.31% | 5.66% | 6.06% | 6.33% |
| 07/2008 | 4.43% | 4.66% | 4.85% | 5.14% | 5.45% | 5.90% | 6.30% | 6.55% |
| 06/2008 | 4.39% | 4.72% | 4.95% | 5.26% | 5.52% | 5.90% | 6.22% | 6.44% |
| 05/2008 | 4.19% | 4.63% | 4.90% | 5.21% | 5.45% | 5.82% | 6.15% | 6.41% |
| 04/2008 | 3.81% | 4.38% | 4.63% | 4.93% | 5.19% | 5.64% | 6.06% | 6.36% |
| 03/2008 | 3.82% | 4.12% | 4.38% | 4.74% | 5.06% | 5.52% | 5.94% | 6.24% |
| 02/2008 | 4.43% | 4.63% | 4.80% | 5.07% | 5.30% | 5.62% | 5.93% | 6.20% |
| 01/2008 | 4.81% | 5.11% | 5.28% | 5.52% | 5.69% | 5.92% | 6.15% | 6.39% |
| חודש | שנה | שנתיים | 3 שנים | 4 שנים | 5 שנים | 7 שנים | 10 שנים | 15 שנים | 20 שנים |
|---|---|---|---|---|---|---|---|---|---|
| 09/2026 | 1.59% | 1.59% | 1.65% | 1.71% | 1.78% | 1.91% | 2.10% | 2.26% | 2.38% |
| 08/2026 | 2.00% | 1.80% | 1.75% | 1.76% | 1.80% | 1.88% | 2.03% | 2.20% | 2.29% |
| 07/2026 | 1.69% | 1.63% | 1.63% | 1.66% | 1.70% | 1.81% | 1.99% | 2.16% | 2.25% |
| 06/2026 | 1.73% | 1.67% | 1.64% | 1.64% | 1.66% | 1.72% | 1.89% | 2.07% | 2.15% |
| 05/2026 | 1.83% | 1.82% | 1.81% | 1.80% | 1.81% | 1.87% | 2.05% | 2.23% | 2.29% |
| 04/2026 | 2.11% | 2.10% | 2.08% | 2.05% | 2.04% | 2.08% | 2.20% | 2.27% | 2.29% |
| 03/2026 | 2.01% | 1.95% | 1.91% | 1.89% | 1.89% | 1.93% | 2.02% | 2.14% | 2.25% |
| 02/2026 | 1.91% | 1.75% | 1.71% | 1.71% | 1.73% | 1.78% | 1.84% | 1.96% | 2.08% |
| 01/2026 | 2.17% | 1.83% | 1.77% | 1.76% | 1.77% | 1.78% | 1.81% | 1.91% | 2.00% |
| 12/2025 | 2.35% | 1.98% | 1.88% | 1.85% | 1.85% | 1.86% | 1.91% | 1.98% | 2.07% |
| 11/2025 | 2.25% | 1.92% | 1.83% | 1.81% | 1.79% | 1.77% | 1.76% | 1.81% | 1.91% |
| 10/2025 | 2.21% | 1.92% | 1.80% | 1.77% | 1.76% | 1.76% | 1.77% | 1.84% | 1.95% |
| 09/2025 | 2.16% | 2.01% | 1.99% | 1.98% | 1.98% | 2.00% | 2.02% | 2.06% | 2.12% |
| 08/2025 | 2.51% | 2.20% | 2.09% | 2.05% | 2.03% | 2.01% | 2.01% | 2.08% | 2.13% |
| 07/2025 | 2.44% | 2.25% | 2.13% | 2.07% | 2.04% | 2.00% | 1.97% | 2.00% | 2.06% |
| 06/2025 | 2.30% | 2.29% | 2.26% | 2.25% | 2.25% | 2.26% | 2.26% | 2.29% | 2.37% |
| 05/2025 | 2.27% | 2.26% | 2.23% | 2.21% | 2.20% | 2.22% | 2.26% | 2.32% | 2.34% |
| 04/2025 | 2.40% | 2.28% | 2.22% | 2.19% | 2.18% | 2.19% | 2.22% | 2.23% | 2.25% |
| 03/2025 | 2.16% | 2.10% | 2.03% | 1.98% | 1.97% | 1.99% | 2.05% | 2.09% | 2.12% |
| 02/2025 | 2.14% | 2.09% | 2.00% | 1.93% | 1.90% | 1.91% | 1.97% | 1.99% | 2.01% |
| 01/2025 | 2.08% | 2.02% | 1.97% | 1.95% | 1.95% | 2.00% | 2.04% | 2.03% | 2.06% |
| 12/2024 | 1.79% | 1.86% | 1.84% | 1.85% | 1.87% | 1.93% | 1.97% | 1.96% | 2.00% |
| 11/2024 | 1.78% | 1.91% | 1.96% | 1.99% | 2.02% | 2.08% | 2.15% | 2.16% | 2.18% |
| 10/2024 | 1.33% | 1.67% | 1.83% | 1.92% | 2.00% | 2.11% | 2.21% | 2.27% | 2.31% |
| 09/2024 | 1.18% | 1.50% | 1.68% | 1.81% | 1.90% | 2.04% | 2.20% | 2.27% | 2.29% |
| 08/2024 | 1.48% | 1.60% | 1.68% | 1.75% | 1.82% | 1.94% | 2.07% | 2.13% | 2.15% |
| 07/2024 | 1.48% | 1.66% | 1.78% | 1.87% | 1.94% | 2.07% | 2.20% | 2.29% | 2.33% |
| 06/2024 | 1.15% | 1.52% | 1.71% | 1.82% | 1.90% | 2.05% | 2.22% | 2.31% | 2.36% |
| 05/2024 | 1.23% | 1.44% | 1.55% | 1.64% | 1.73% | 1.88% | 2.03% | 2.11% | 2.15% |
| 04/2024 | 1.09% | 1.33% | 1.44% | 1.54% | 1.62% | 1.77% | 1.90% | 1.98% | 2.04% |
| 03/2024 | 1.18% | 1.29% | 1.35% | 1.41% | 1.47% | 1.58% | 1.66% | 1.76% | 1.85% |
| 02/2024 | 1.04% | 1.11% | 1.18% | 1.27% | 1.39% | 1.57% | 1.66% | 1.75% | 1.87% |
| 01/2024 | 0.75% | 1.18% | 1.23% | 1.28% | 1.36% | 1.55% | 1.67% | 1.78% | 1.87% |
| 12/2023 | 1.11% | 1.23% | 1.24% | 1.26% | 1.32% | 1.45% | 1.54% | 1.62% | 1.72% |
| 11/2023 | 1.57% | 1.51% | 1.54% | 1.57% | 1.63% | 1.76% | 1.86% | 1.89% | 2.01% |
| 10/2023 | 1.62% | 1.57% | 1.57% | 1.58% | 1.62% | 1.72% | 1.76% | 1.78% | 1.90% |
| 09/2023 | 1.91% | 1.62% | 1.46% | 1.38% | 1.36% | 1.37% | 1.36% | 1.38% | 1.47% |
| 08/2023 | 1.95% | 1.51% | 1.31% | 1.25% | 1.25% | 1.27% | 1.25% | 1.25% | 1.32% |
| 07/2023 | 1.84% | 1.39% | 1.22% | 1.14% | 1.11% | 1.07% | 1.04% | 1.08% | 1.16% |
| 06/2023 | 1.67% | 1.42% | 1.28% | 1.20% | 1.16% | 1.11% | 1.09% | 1.14% | 1.22% |
| 05/2023 | 1.61% | 1.36% | 1.23% | 1.16% | 1.13% | 1.12% | 1.13% | 1.19% | 1.26% |
| 04/2023 | 1.36% | 1.27% | 1.20% | 1.16% | 1.13% | 1.12% | 1.15% | 1.20% | 1.22% |
| 03/2023 | 1.31% | 1.37% | 1.26% | 1.19% | 1.16% | 1.14% | 1.11% | 1.11% | 1.14% |
| 02/2023 | 1.23% | 1.11% | 1.00% | 0.94% | 0.91% | 0.87% | 0.83% | 0.86% | 0.92% |
| 01/2023 | 1.44% | 1.11% | 0.97% | 0.89% | 0.85% | 0.80% | 0.75% | 0.76% | 0.84% |
| 12/2022 | 0.99% | 0.87% | 0.84% | 0.83% | 0.82% | 0.79% | 0.77% | 0.85% | 0.93% |
| 11/2022 | 0.46% | 0.48% | 0.52% | 0.56% | 0.58% | 0.60% | 0.61% | 0.66% | 0.79% |
| 10/2022 | -0.02% | 0.29% | 0.44% | 0.53% | 0.58% | 0.65% | 0.72% | 0.84% | 1.01% |
| 09/2022 | -1.03% | -0.43% | -0.11% | 0.06% | 0.16% | 0.30% | 0.47% | 0.71% | 0.87% |
| 08/2022 | -1.14% | -0.59% | -0.41% | -0.34% | -0.28% | -0.11% | 0.18% | 0.55% | 0.76% |
| 07/2022 | -1.60% | -0.79% | -0.47% | -0.29% | -0.16% | 0.03% | 0.27% | 0.62% | 0.74% |
| 06/2022 | -1.99% | -0.94% | -0.44% | -0.18% | -0.02% | 0.21% | 0.49% | 0.80% | 0.90% |
| 05/2022 | -2.14% | -1.51% | -1.11% | -0.81% | -0.57% | -0.21% | 0.16% | 0.58% | 0.73% |
| 04/2022 | -2.49% | -2.01% | -1.63% | -1.32% | -1.05% | -0.66% | -0.33% | 0.11% | 0.39% |
| 03/2022 | -2.73% | -2.41% | -2.13% | -1.81% | -1.50% | -1.00% | -0.51% | 0.07% | 0.37% |
| 02/2022 | -2.22% | -2.12% | -1.92% | -1.69% | -1.46% | -1.09% | -0.63% | -0.08% | 0.22% |
| 01/2022 | -2.54% | -2.47% | -2.27% | -2.08% | -1.91% | -1.61% | -1.17% | -0.61% | -0.26% |
| 12/2021 | -2.41% | -2.43% | -2.32% | -2.16% | -2.01% | -1.71% | -1.25% | -0.67% | -0.30% |
| 11/2021 | -2.59% | -2.47% | -2.27% | -2.08% | -1.91% | -1.59% | -1.18% | -0.67% | -0.25% |
| 10/2021 | -2.70% | -2.57% | -2.35% | -2.11% | -1.90% | -1.52% | -1.01% | -0.37% | 0.05% |
| 09/2021 | -2.24% | -2.22% | -2.12% | -1.97% | -1.80% | -1.42% | -0.90% | -0.23% | 0.13% |
| 08/2021 | -1.94% | -1.92% | -1.85% | -1.74% | -1.60% | -1.26% | -0.81% | -0.23% | 0.13% |
| 07/2021 | -1.95% | -1.86% | -1.74% | -1.60% | -1.44% | -1.11% | -0.67% | -0.16% | 0.15% |
| 06/2021 | -2.10% | -1.95% | -1.78% | -1.59% | -1.40% | -1.06% | -0.63% | -0.15% | 0.19% |
| 05/2021 | -1.86% | -1.81% | -1.70% | -1.56% | -1.40% | -1.08% | -0.62% | -0.03% | 0.26% |
| 04/2021 | -1.48% | -1.40% | -1.33% | -1.23% | -1.12% | -0.85% | -0.42% | -0.04% | 0.15% |
| 03/2021 | -1.35% | -1.31% | -1.25% | -1.18% | -1.09% | -0.84% | -0.44% | -0.06% | 0.13% |
| 02/2021 | -1.14% | -1.19% | -1.19% | -1.14% | -1.06% | -0.83% | -0.51% | -0.15% | 0.09% |
| 01/2021 | -0.88% | -0.97% | -1.05% | -1.09% | -1.08% | -0.95% | -0.68% | -0.27% | -0.02% |
| 12/2020 | -0.24% | -0.60% | -0.75% | -0.82% | -0.84% | -0.77% | -0.53% | -0.17% | 0.05% |
| 11/2020 | 0.15% | -0.33% | -0.52% | -0.61% | -0.65% | -0.62% | -0.44% | -0.09% | 0.15% |
| 10/2020 | 0.41% | -0.13% | -0.37% | -0.49% | -0.55% | -0.57% | -0.46% | -0.17% | 0.08% |
| 09/2020 | 0.13% | -0.28% | -0.49% | -0.59% | -0.63% | -0.67% | -0.60% | -0.33% | -0.05% |
| 08/2020 | 0.01% | -0.32% | -0.49% | -0.58% | -0.63% | -0.69% | -0.63% | -0.33% | -0.04% |
| 07/2020 | 0.08% | -0.15% | -0.30% | -0.41% | -0.48% | -0.56% | -0.55% | -0.34% | -0.07% |
| 06/2020 | -0.34% | -0.51% | -0.64% | -0.72% | -0.76% | -0.74% | -0.64% | -0.37% | -0.05% |
| 05/2020 | 0.23% | -0.24% | -0.46% | -0.55% | -0.58% | -0.56% | -0.47% | -0.25% | 0.04% |
| 04/2020 | 0.97% | 0.16% | -0.17% | -0.32% | -0.39% | -0.42% | -0.36% | -0.13% | 0.18% |
| 03/2020 | 1.34% | 0.56% | 0.24% | 0.10% | 0.02% | -0.09% | -0.12% | 0.06% | 0.24% |
| 02/2020 | -0.81% | -0.96% | -0.97% | -0.94% | -0.91% | -0.83% | -0.64% | -0.28% | 0.07% |
| 01/2020 | -0.83% | -0.98% | -0.97% | -0.94% | -0.90% | -0.78% | -0.57% | -0.19% | 0.18% |
| 12/2019 | -0.68% | -0.83% | -0.84% | -0.83% | -0.80% | -0.70% | -0.48% | -0.07% | 0.33% |
| 11/2019 | -0.81% | -0.96% | -0.95% | -0.92% | -0.87% | -0.73% | -0.45% | 0.04% | 0.48% |
| 10/2019 | -0.81% | -0.99% | -1.02% | -1.00% | -0.95% | -0.81% | -0.54% | -0.07% | 0.41% |
| 09/2019 | -0.87% | -0.99% | -0.98% | -0.93% | -0.86% | -0.69% | -0.37% | 0.21% | 0.68% |
| 08/2019 | -0.82% | -0.88% | -0.89% | -0.88% | -0.85% | -0.75% | -0.46% | 0.11% | 0.61% |
| 07/2019 | -0.99% | -0.95% | -0.90% | -0.82% | -0.71% | -0.48% | -0.08% | 0.50% | 0.98% |
| 06/2019 | -1.04% | -1.00% | -0.91% | -0.78% | -0.64% | -0.39% | 0.01% | 0.66% | 1.14% |
| 05/2019 | -0.87% | -0.78% | -0.66% | -0.53% | -0.40% | -0.15% | 0.22% | 0.79% | 1.24% |
| 04/2019 | -0.70% | -0.75% | -0.64% | -0.49% | -0.34% | -0.09% | 0.33% | 0.91% | 1.32% |
| 03/2019 | -0.82% | -0.83% | -0.69% | -0.50% | -0.32% | -0.01% | 0.40% | 0.97% | 1.36% |
| 02/2019 | -0.77% | -0.75% | -0.62% | -0.43% | -0.23% | 0.11% | 0.52% | 1.04% | 1.39% |
| 01/2019 | -0.60% | -0.59% | -0.47% | -0.27% | -0.06% | 0.29% | 0.69% | 1.18% | 1.52% |
| 12/2018 | -0.68% | -0.57% | -0.37% | -0.12% | 0.11% | 0.46% | 0.83% | 1.27% | 1.57% |
| 11/2018 | -0.70% | -0.59% | -0.41% | -0.20% | 0.02% | 0.38% | 0.79% | 1.26% | 1.54% |
| 10/2018 | -0.92% | -0.75% | -0.56% | -0.34% | -0.12% | 0.23% | 0.63% | 1.08% | 1.37% |
| 09/2018 | -1.02% | -0.80% | -0.58% | -0.36% | -0.15% | 0.19% | 0.57% | 1.04% | 1.34% |
| 08/2018 | -1.12% | -0.91% | -0.70% | -0.48% | -0.27% | 0.07% | 0.47% | 0.97% | 1.28% |
| 07/2018 | -1.22% | -0.93% | -0.68% | -0.44% | -0.22% | 0.13% | 0.53% | 1.03% | 1.36% |
| 06/2018 | -0.96% | -0.82% | -0.65% | -0.46% | -0.27% | 0.06% | 0.45% | 0.93% | 1.28% |
| 05/2018 | -0.65% | -0.65% | -0.55% | -0.39% | -0.23% | 0.08% | 0.46% | 0.93% | 1.26% |
| 04/2018 | -0.57% | -0.63% | -0.54% | -0.39% | -0.22% | 0.06% | 0.38% | 0.86% | 1.19% |
| 03/2018 | -0.46% | -0.52% | -0.47% | -0.34% | -0.19% | 0.07% | 0.39% | 0.83% | 1.15% |
| 02/2018 | -0.64% | -0.62% | -0.53% | -0.38% | -0.21% | 0.08% | 0.40% | 0.81% | 1.14% |
| 01/2018 | -0.39% | -0.48% | -0.49% | -0.43% | -0.32% | -0.09% | 0.21% | 0.68% | 1.07% |
| 12/2017 | -0.34% | -0.47% | -0.48% | -0.39% | -0.26% | 0.01% | 0.35% | 0.83% | 1.21% |
| 11/2017 | -0.16% | -0.38% | -0.43% | -0.34% | -0.20% | 0.07% | 0.39% | 0.80% | 1.17% |
| 10/2017 | 0.00% | -0.19% | -0.24% | -0.18% | -0.08% | 0.15% | 0.42% | 0.77% | 1.10% |
| 09/2017 | -0.02% | -0.24% | -0.30% | -0.26% | -0.16% | 0.06% | 0.35% | 0.74% | 1.10% |
| 08/2017 | -0.07% | -0.22% | -0.28% | -0.25% | -0.18% | 0.05% | 0.36% | 0.78% | 1.14% |
| 07/2017 | -0.43% | -0.34% | -0.26% | -0.16% | -0.04% | 0.22% | 0.55% | 0.98% | 1.34% |
| 06/2017 | -0.41% | -0.33% | -0.24% | -0.12% | 0.02% | 0.33% | 0.67% | 1.07% | 1.42% |
| 05/2017 | -0.32% | -0.29% | -0.22% | -0.12% | 0.02% | 0.33% | 0.68% | 1.06% | 1.41% |
| 04/2017 | -0.10% | -0.04% | -0.01% | 0.05% | 0.16% | 0.44% | 0.79% | 1.17% | 1.50% |
| 03/2017 | 0.28% | 0.13% | 0.11% | 0.18% | 0.29% | 0.57% | 0.88% | 1.21% | 1.53% |
| 02/2017 | 0.13% | -0.02% | -0.05% | 0.03% | 0.18% | 0.48% | 0.76% | 1.09% | 1.42% |
| 01/2017 | 0.08% | -0.05% | -0.07% | 0.01% | 0.15% | 0.44% | 0.69% | 0.99% | 1.36% |
| 12/2016 | -0.35% | -0.21% | -0.10% | 0.04% | 0.21% | 0.49% | 0.68% | 0.93% | 1.30% |
| 11/2016 | -0.25% | -0.27% | -0.19% | -0.05% | 0.10% | 0.36% | 0.55% | 0.82% | 1.19% |
| 10/2016 | -0.30% | -0.30% | -0.20% | -0.07% | 0.07% | 0.28% | 0.46% | 0.73% | 1.08% |
| 09/2016 | -0.36% | -0.35% | -0.29% | -0.19% | -0.06% | 0.18% | 0.38% | 0.65% | 1.00% |
| 08/2016 | -0.29% | -0.32% | -0.29% | -0.21% | -0.10% | 0.11% | 0.31% | 0.59% | 0.95% |
| 07/2016 | -0.38% | -0.43% | -0.40% | -0.33% | -0.23% | -0.01% | 0.20% | 0.49% | 0.84% |
| 06/2016 | -0.30% | -0.34% | -0.29% | -0.21% | -0.11% | 0.10% | 0.33% | 0.60% | 0.95% |
| 05/2016 | -0.19% | -0.31% | -0.29% | -0.22% | -0.12% | 0.09% | 0.31% | 0.61% | 0.91% |
| 04/2016 | 0.05% | -0.32% | -0.33% | -0.24% | -0.12% | 0.12% | 0.37% | 0.69% | 0.97% |
| 03/2016 | 0.09% | -0.21% | -0.22% | -0.14% | -0.03% | 0.19% | 0.44% | 0.75% | 1.04% |
| 02/2016 | 0.44% | 0.08% | 0.02% | 0.05% | 0.12% | 0.28% | 0.50% | 0.81% | 1.09% |
| 01/2016 | 0.41% | 0.14% | 0.11% | 0.16% | 0.22% | 0.36% | 0.60% | 0.96% | 1.29% |
| 12/2015 | 0.06% | -0.13% | -0.13% | -0.05% | 0.05% | 0.32% | 0.68% | 1.06% | 1.39% |
| 11/2015 | -0.18% | -0.36% | -0.31% | -0.18% | -0.03% | 0.28% | 0.65% | 1.06% | 1.40% |
| 10/2015 | -0.38% | -0.53% | -0.47% | -0.35% | -0.20% | 0.12% | 0.56% | 1.02% | 1.31% |
| 09/2015 | -0.33% | -0.55% | -0.47% | -0.27% | -0.05% | 0.32% | 0.72% | 1.11% | 1.40% |
| 08/2015 | -0.43% | -0.62% | -0.51% | -0.32% | -0.12% | 0.24% | 0.68% | 1.14% | 1.46% |
| 07/2015 | -0.83% | -0.96% | -0.78% | -0.51% | -0.21% | 0.29% | 0.79% | 1.21% | 1.50% |
| 06/2015 | -0.96% | -1.01% | -0.80% | -0.50% | -0.21% | 0.27% | 0.71% | 1.04% | 1.31% |
| 05/2015 | -0.84% | -1.08% | -1.01% | -0.80% | -0.55% | -0.11% | 0.29% | 0.59% | 0.82% |
| 04/2015 | -0.56% | -0.86% | -0.85% | -0.70% | -0.53% | -0.25% | 0.02% | 0.22% | 0.44% |
| 03/2015 | -0.56% | -0.81% | -0.79% | -0.66% | -0.49% | -0.18% | 0.14% | 0.40% | 0.65% |
| 02/2015 | -0.63% | -0.71% | -0.66% | -0.55% | -0.41% | -0.12% | 0.27% | 0.67% | 0.95% |
| 01/2015 | -0.32% | -0.43% | -0.40% | -0.30% | -0.18% | 0.09% | 0.47% | 0.92% | 1.22% |
| 12/2014 | -0.32% | -0.41% | -0.38% | -0.26% | -0.09% | 0.30% | 0.77% | 1.16% | 1.38% |
| 11/2014 | -0.14% | -0.38% | -0.45% | -0.37% | -0.21% | 0.17% | 0.63% | 1.05% | 1.30% |
| 10/2014 | -0.37% | -0.67% | -0.71% | -0.58% | -0.37% | 0.09% | 0.59% | 1.06% | 1.37% |
| 09/2014 | -0.82% | -0.89% | -0.77% | -0.53% | -0.26% | 0.22% | 0.70% | 1.20% | 1.53% |
| 08/2014 | -0.61% | -0.73% | -0.62% | -0.37% | -0.10% | 0.32% | 0.73% | 1.23% | 1.60% |
| 07/2014 | -0.66% | -0.72% | -0.59% | -0.36% | -0.11% | 0.34% | 0.81% | 1.33% | 1.72% |
| 06/2014 | -0.77% | -0.81% | -0.66% | -0.40% | -0.12% | 0.38% | 0.90% | 1.42% | 1.79% |
| 05/2014 | -0.84% | -0.97% | -0.82% | -0.52% | -0.16% | 0.46% | 1.11% | 1.66% | 1.96% |
| 04/2014 | -0.94% | -1.04% | -0.83% | -0.47% | -0.07% | 0.62% | 1.31% | 1.87% | 2.17% |
| 03/2014 | -0.90% | -1.05% | -0.87% | -0.52% | -0.12% | 0.61% | 1.34% | 1.88% | 2.18% |
| 02/2014 | -0.79% | -0.85% | -0.67% | -0.34% | 0.05% | 0.80% | 1.55% | 2.08% | 2.34% |
| 01/2014 | -0.72% | -0.83% | -0.61% | -0.23% | 0.19% | 0.94% | 1.66% | 2.13% | 2.36% |
| 12/2013 | -0.75% | -0.87% | -0.69% | -0.34% | 0.06% | 0.80% | 1.57% | 2.11% | 2.31% |
| 11/2013 | -0.45% | -0.71% | -0.59% | -0.27% | 0.12% | 0.84% | 1.56% | 2.12% | 2.40% |
| 10/2013 | -0.55% | -0.72% | -0.54% | -0.19% | 0.21% | 0.95% | 1.69% | 2.24% | 2.49% |
| 09/2013 | -0.46% | -0.61% | -0.36% | 0.03% | 0.46% | 1.20% | 1.87% | 2.36% | 2.57% |
| 08/2013 | -0.51% | -0.67% | -0.49% | -0.11% | 0.31% | 1.06% | 1.76% | 2.28% | 2.52% |
| 07/2013 | -0.31% | -0.56% | -0.42% | -0.10% | 0.28% | 0.96% | 1.65% | 2.23% | 2.54% |
| 06/2013 | -0.23% | -0.50% | -0.35% | -0.03% | 0.34% | 1.02% | 1.70% | 2.24% | 2.55% |
| 05/2013 | -0.25% | -0.48% | -0.41% | -0.19% | 0.09% | 0.69% | 1.40% | 2.08% | 2.41% |
| 04/2013 | -0.06% | -0.28% | -0.20% | 0.00% | 0.28% | 0.88% | 1.60% | 2.20% | 2.48% |
| 03/2013 | -0.32% | -0.41% | -0.24% | 0.04% | 0.37% | 1.02% | 1.73% | 2.30% | 2.58% |
| 02/2013 | -0.04% | -0.29% | -0.16% | 0.10% | 0.41% | 1.04% | 1.72% | 2.25% | 2.51% |
| 01/2013 | 0.03% | -0.33% | -0.25% | 0.03% | 0.36% | 0.96% | 1.56% | 2.00% | 2.31% |
| 12/2012 | 0.02% | -0.33% | -0.26% | -0.01% | 0.29% | 0.88% | 1.53% | 2.05% | 2.36% |
| 11/2012 | -0.11% | -0.40% | -0.29% | 0.01% | 0.36% | 1.01% | 1.72% | 2.32% | 2.63% |
| 10/2012 | -0.23% | -0.38% | -0.25% | 0.06% | 0.45% | 1.16% | 1.90% | 2.45% | 2.74% |
| 09/2012 | -0.26% | -0.38% | -0.20% | 0.17% | 0.58% | 1.31% | 2.06% | 2.59% | 2.83% |
| 08/2012 | -0.49% | -0.46% | -0.27% | 0.07% | 0.47% | 1.20% | 1.96% | 2.52% | 2.78% |
| 07/2012 | 0.04% | -0.11% | -0.06% | 0.22% | 0.59% | 1.30% | 2.04% | 2.56% | 2.78% |
| 06/2012 | 0.25% | 0.09% | 0.17% | 0.48% | 0.87% | 1.55% | 2.23% | 2.71% | 2.94% |
| 05/2012 | 0.44% | 0.34% | 0.41% | 0.67% | 0.99% | 1.60% | 2.26% | 2.72% | 2.94% |
| 04/2012 | 0.43% | 0.33% | 0.38% | 0.64% | 1.00% | 1.66% | 2.32% | 2.77% | 2.97% |
| 03/2012 | 0.39% | 0.37% | 0.43% | 0.70% | 1.06% | 1.74% | 2.38% | 2.75% | 2.94% |
| 02/2012 | 0.59% | 0.41% | 0.42% | 0.63% | 0.94% | 1.57% | 2.21% | 2.64% | 2.85% |
| 01/2012 | 0.83% | 0.56% | 0.52% | 0.69% | 0.98% | 1.59% | 2.22% | 2.62% | 2.82% |
| 12/2011 | 1.14% | 0.73% | 0.66% | 0.84% | 1.13% | 1.75% | 2.37% | 2.73% | 2.87% |
| 11/2011 | 1.23% | 0.93% | 0.88% | 1.05% | 1.31% | 1.84% | 2.36% | 2.67% | 2.82% |
| 10/2011 | 1.16% | 1.05% | 0.99% | 1.11% | 1.34% | 1.82% | 2.28% | 2.55% | 2.72% |
| 09/2011 | 0.93% | 0.97% | 1.00% | 1.17% | 1.43% | 1.95% | 2.44% | 2.69% | 2.83% |
| 08/2011 | 0.84% | 0.99% | 1.06% | 1.24% | 1.48% | 1.95% | 2.44% | 2.77% | 2.96% |
| 07/2011 | 0.47% | 0.89% | 1.09% | 1.33% | 1.59% | 2.07% | 2.55% | 2.89% | 3.08% |
| 06/2011 | 0.69% | 1.09% | 1.31% | 1.54% | 1.78% | 2.21% | 2.64% | 2.95% | 3.14% |
| 05/2011 | 0.34% | 0.98% | 1.31% | 1.59% | 1.84% | 2.28% | 2.70% | 2.99% | 3.16% |
| 04/2011 | 0.55% | 1.09% | 1.39% | 1.63% | 1.86% | 2.33% | 2.78% | 3.02% | 3.15% |
| 03/2011 | 0.10% | 0.63% | 0.90% | 1.13% | 1.39% | 1.98% | 2.60% | 2.94% | 3.10% |
| 02/2011 | -0.11% | 0.34% | 0.62% | 0.88% | 1.15% | 1.77% | 2.44% | 2.86% | 3.04% |
| 01/2011 | -0.11% | 0.20% | 0.45% | 0.69% | 0.97% | 1.57% | 2.23% | 2.70% | 2.92% |
| 12/2010 | -0.15% | 0.17% | 0.42% | 0.65% | 0.91% | 1.50% | 2.16% | 2.64% | 2.88% |
| 11/2010 | -0.53% | -0.17% | 0.09% | 0.33% | 0.59% | 1.18% | 1.84% | 2.35% | 2.62% |
| 10/2010 | -0.57% | -0.14% | 0.14% | 0.35% | 0.57% | 1.09% | 1.72% | 2.26% | 2.57% |
| 09/2010 | -0.62% | -0.16% | 0.17% | 0.41% | 0.65% | 1.16% | 1.80% | 2.36% | 2.67% |
| 08/2010 | -0.74% | -0.30% | 0.01% | 0.27% | 0.53% | 1.12% | 1.85% | 2.44% | 2.72% |
| 07/2010 | -0.89% | -0.36% | 0.05% | 0.39% | 0.72% | 1.35% | 2.08% | 2.61% | 2.84% |
| 06/2010 | -0.56% | -0.12% | 0.25% | 0.55% | 0.84% | 1.46% | 2.20% | 2.72% | 2.96% |
| 05/2010 | -0.29% | 0.26% | 0.63% | 0.87% | 1.10% | 1.67% | 2.40% | 2.86% | 3.05% |
| 04/2010 | -0.02% | 0.45% | 0.82% | 1.05% | 1.26% | 1.81% | 2.50% | 2.88% | 3.00% |
| 03/2010 | 0.02% | 0.32% | 0.71% | 0.98% | 1.22% | 1.79% | 2.48% | 2.88% | 3.02% |
| 02/2010 | 0.11% | 0.38% | 0.80% | 1.13% | 1.41% | 1.97% | 2.62% | 3.00% | 3.12% |
| 01/2010 | -0.11% | 0.33% | 0.87% | 1.24% | 1.51% | 2.05% | 2.68% | 3.07% | 3.18% |
| 12/2009 | -0.35% | 0.13% | 0.63% | 1.01% | 1.32% | 1.92% | 2.60% | 3.05% | 3.20% |
| 11/2009 | -0.59% | -0.24% | 0.21% | 0.58% | 0.92% | 1.61% | 2.46% | 3.07% | 3.22% |
| 10/2009 | -0.56% | -0.18% | 0.28% | 0.69% | 1.06% | 1.76% | 2.62% | 3.26% | 3.39% |
| 09/2009 | -0.77% | -0.01% | 0.56% | 0.99% | 1.36% | 2.02% | 2.82% | 3.40% | 3.50% |
| 08/2009 | -1.41% | -0.26% | 0.43% | 0.97% | 1.42% | 2.10% | 2.83% | 3.41% | 3.56% |
| 07/2009 | -1.45% | -0.52% | 0.18% | 0.81% | 1.36% | 2.17% | 2.95% | 3.50% | 3.68% |
| 06/2009 | -1.13% | -0.16% | 0.62% | 1.27% | 1.78% | 2.47% | 3.13% | 3.65% | 3.77% |
| 05/2009 | -0.80% | -0.20% | 0.44% | 1.02% | 1.52% | 2.25% | 3.02% | 3.55% | 3.65% |
| 04/2009 | 0.60% | 0.60% | 0.81% | 1.07% | 1.32% | 1.85% | 2.66% | 3.26% | 3.35% |
| 03/2009 | 1.22% | 1.11% | 1.23% | 1.41% | 1.60% | 2.08% | 2.80% | 3.25% | 3.31% |
| 02/2009 | 1.61% | 1.50% | 1.61% | 1.73% | 1.86% | 2.21% | 2.82% | 3.29% | 3.36% |
| 01/2009 | 2.33% | 2.08% | 2.16% | 2.25% | 2.33% | 2.60% | 3.14% | 3.57% | 3.62% |
| 12/2008 | 3.94% | 3.19% | 3.05% | 3.02% | 3.02% | 3.12% | 3.42% | 3.70% | 3.78% |
| 11/2008 | 3.80% | 3.57% | 3.66% | 3.71% | 3.74% | 3.84% | 4.09% | 4.32% | 4.34% |
| 10/2008 | 3.03% | 3.36% | 3.58% | 3.66% | 3.68% | 3.70% | 3.88% | 4.06% | 4.04% |
| 09/2008 | 1.93% | 2.50% | 2.75% | 2.87% | 2.93% | 3.05% | 3.34% | 3.62% | 3.63% |
| 08/2008 | 1.43% | 1.96% | 2.24% | 2.42% | 2.56% | 2.82% | 3.20% | 3.52% | 3.54% |
| 07/2008 | 0.93% | 1.41% | 1.83% | 2.17% | 2.42% | 2.79% | 3.21% | 3.53% | 3.54% |
| 06/2008 | 1.19% | 1.68% | 2.09% | 2.36% | 2.54% | 2.78% | 3.13% | 3.48% | 3.51% |
| 05/2008 | 0.48% | 1.71% | 2.30% | 2.55% | 2.66% | 2.81% | 3.17% | 3.57% | 3.57% |
| 04/2008 | 0.77% | 1.52% | 1.98% | 2.25% | 2.43% | 2.70% | 3.17% | 3.56% | 3.57% |
| 03/2008 | 1.49% | 1.76% | 2.12% | 2.38% | 2.54% | 2.76% | 3.14% | 3.51% | 3.56% |
| 02/2008 | 2.49% | 2.55% | 2.77% | 2.92% | 2.99% | 3.04% | 3.23% | 3.49% | 3.52% |
| 01/2008 | 2.39% | 2.77% | 3.11% | 3.29% | 3.35% | 3.39% | 3.53% | 3.72% | 3.74% |
איך העוגן משפיע על הריבית שלכם
במסלול משתנה הריבית שלכם מורכבת מהעוגן וממרווח קבוע שנקבע מול הבנק בחתימה. המרווח לא משתנה לאורך ההלוואה, העוגן כן. בכל תחנת יציאה הבנק לוקח את ערך העוגן באותו יום, מוסיף את המרווח שלכם, וזו הריבית לתקופה הבאה.
לכן שתי משכנתאות עם אותו מרווח יכולות להגיע לריביות שונות לגמרי, רק בגלל מועד תחנת היציאה. מי שנכנס לתחנה בתקופה של עוגן נמוך משלם פחות, וההפך.
ההבדל בין עוגן נומינלי לריאלי
העוגן הנומינלי, כלומר הלא צמוד, משמש למסלולים שאינם צמודים למדד. העוגן הריאלי, הצמוד, משמש למסלולים הצמודים. ההפרש ביניהם משקף את ציפיות האינפלציה בשוק: ככל שהפער גדול יותר, כך השוק מצפה לאינפלציה גבוהה יותר.
שאלות נפוצות על עוגני אג"ח ממשלתי
מהו עוגן אג"ח ממשלתי?
זהו שיעור התשואה על אגרות חוב של ממשלת ישראל לתקופה מסוימת, כפי שמפרסם בנק ישראל. הבנקים משתמשים בו כבסיס לתמחור מסלולי ריבית משתנה במשכנתא.
כל כמה זמן משתנה העוגן?
העוגן נגזר ממסחר יומי בשוק ההון ולכן משתנה כל הזמן. הנתון המוצג כאן הוא ממוצע חודשי קלנדרי, כפי שבנק ישראל מפרסם אותו.
מה ההבדל בין עוגן נומינלי לעוגן ריאלי?
הנומינלי, הלא צמוד, משמש למסלולים שאינם צמודים למדד. הריאלי, הצמוד, משמש למסלולים הצמודים למדד המחירים לצרכן. ההפרש ביניהם משקף את ציפיות האינפלציה.
איך זה משפיע על ההחזר החודשי?
רק בתחנת היציאה. עד אליה הריבית שלכם קבועה. בתחנה הבנק מחשב מחדש: ערך העוגן באותו מועד בתוספת המרווח שנקבע בהסכם, וההחזר מתעדכן בהתאם.
למה התקופה האחרונה היא של חודש קודם?
הנתון הוא ממוצע חודשי קלנדרי, ולכן הוא יכול להתפרסם רק אחרי שהחודש הסתיים.
דרגו אותנו בגוגל
